Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$223,799Cash toward the purchase price.
Closing costs + prepaids$10,214Not just lender fees.
Before credits & paid funds$234,012The complete starting cash picture.
Estimated remaining funds due at closing
$234,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,798.62
Your down payment$223,798.62
Closing costs + prepaids$10,213.61
Total buyer cash needed$234,012.24
Remaining funds due$234,012.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$626.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$566.50
Prepaid interest, first (28 days)$313.11
Fees + prepaids$10,213.61
Your down payment is the seller’s equity. You take over the $125,201 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $234,012.24 is due at closing. Uses and sources reconcile at $359,213.61 each. Not a Closing Disclosure.